System and method for facilitating transactions as conversations between participants

ABSTRACT

A computer-implemented system keeps records of communications between participants as a conversation. All communications between participants in a transaction are stored as part of the conversation including documents, photographs, forms etc. needed to complete the transaction. A computer system interacts with a wallet service of one or more participants to keep a record of, or to affect the transfer of, consideration between participants in the transaction. Conversations can occur for any topic or conversations for a particular topic can be selected and a template provided for documents and/or conversation participants most often needed to complete an associated transaction.

CROSS-REFERENCE TO RELATED APPLICATION(S)

The present application is a continuation of U.S. patent applicationSer. No. 14/286,907, filed May 23, 2014, and claims the benefit of, andpriority to, U.S. Patent Application No. 61/827,494 filed on May 24,2013, both of which applications are herein incorporated by reference intheir entireties.

TECHNICAL FIELD

The technology described herein relates to computers systems and inparticular to computer systems to facilitate transactions between users.

BACKGROUND

For anything but the most simple of transactions, a person often usesmultiple electronic devices to communicate with several parties in orderto complete a transaction. For example, in the case of an automobileaccident, a party may need to involve the police, witnesses, car bodyrepair shops, insurance agencies, attorneys and maybe others to settle aclaim and repair a car. Letters drafted on computers are sent betweenparties, phone calls are made, e-mails are sent. A user has to keeptrack of all these communications in order to make sure that theunderlying issues are resolved.

Given the complexity of tracking, storing and analyzing records of eachof these communications, there is a need for a system that can helpreduce transaction costs by facilitating communications between partiesabout a transaction in order see a transaction through to itscompletion.

SUMMARY

As will be discussed in further detail below, the technology disclosedis a computer-based system that groups communications between users as aconversation. A conversation can store records of communications betweenmultiple parties and the documents that are transmitted between parties.A user can easily view previously started conversations and add to themin order to complete some desired task. The computer system records aresult of the conversation and can rate participants in the conversationon how effective the participants were in achieving the completion of atask or assignment that was the subject of the conversation. Inaddition, the computer system can facilitate the transfer ofconsideration between one or more participants in a conversation inorder to complete a transaction. Furthermore, the computer system cansimplify analysis of transactions and suggest efficient communicationtemplates.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a block diagram of a top level conversation process;

FIG. 2 is a block diagram of a process for conversation selection;

FIG. 3 is a block diagram of a process for conversation creation;

FIG. 4 is a block diagram of a process for instantiating a conversationfrom a scenario;

FIG. 5 is a block diagram of an initial interaction within aconversation (“Say hi”);

FIG. 6 illustrates an auto insurance claim user scenario enabled by thesystem of the disclosed technology;

FIG. 7 illustrates a product purchase and delivery scenario enabled bythe system of the disclosed technology;

FIG. 8 illustrates an airport arrival user scenario enabled by thesystem of the disclosed technology;

FIG. 9 illustrates interaction between devices and services within thesystem of the disclosed technology;

FIG. 10 illustrates a business graph enabled by the system of thedisclosed technology;

FIG. 11 illustrates a distributed network of goods, services,conversations, considerations and other transactions enabled by thesystem of the disclosed technology and

FIG. 12 is a diagram of a computer-enabled system that implements aconversation record keeping system in accordance with one embodiment ofthe disclosed technology.

DETAILED DESCRIPTION

As discussed above, the purpose of the system described herein is tofacilitate collaboration and transactions between participants in acommercial, governmental, non-profit, social, etc. setting. Thesetransactions can include, but are not limited to, negotiating apurchase, contract, and/or commitment, providing a service, effecting acustomer support session, arriving at an agreement between people on afuture course of action, resolving an issue, developing an idea,prioritizing action items, assembling a document and/or document packageto support a claim, etc.

A computer system keeps records of transactions as a conversationbetween participants. Communications between participants includestreams of information exchanges comprising fragments, e.g. textmessages, pictures, requests, orders, promises, location information,delivery options, comments, questions, legal documents, schedules,money, etc. A transaction can include the exchange of goods, services,information, considerations, promises, etc.

Participants in a conversation can include teams and individuals (e.g.team-team; team-individual; individual-individual). Teams can be formaland informal entities, formal/Legal (Corporations, Universities,Governments, Families) or informal (Friends, Acquaintances, ExtendedFamily, Co-workers, Countrymen, etc.). Individuals can be human, animal,and artificial (e.g. automated services).

Conversations can be new, continuing or recurring.

Depending on the nature of the transaction, teams, and individualsinvolved, individuals and teams can be assigned different “hats”, e.g.customer, husband, employee, contractor, advisor, authorized agent,boyfriend, team member, calendar, etc. More than one “hat” can beassigned to an individual or a team at the same time.

To explore the feasibility and/or conduct a transaction, parties createat least one conversation and invite teams and individuals to discuss orjoin the conversation as appropriate.

Conversations occur between individuals, but, depending on the “hats”assigned to the individuals, teams can own and participate in theconversations.

In one embodiment, a computer system stores records of free-formconversations where the users are invited to define the participants inthe conversation, the documents to be transmitted or communications tobe sent between participants. In another embodiment, the computer systemprovides templates for transactions and related conversations to handlepre-defined scenarios, e.g. an Auto Accident Insurance Claim, AirportArrival, Service Sign-up, New Hire, Apartment Rental, ContractNegotiations, Product/Service Delivery, Product/Service Feedback,Customer Support, etc. Users of the system are enabled to use defaulttemplates or create their own. Furthermore, the system can ratetemplates with regard to the efficiency of completed transactions.

In one embodiment, individuals and teams are introduced to each othervia a “Say Hi” mechanism. The mechanism makes one party (individual orteam) aware of another party, which becomes a potential transactionpartner, e.g. in a pre-defined scenario.

Parties in a transaction engage in conversations that involve anofferable (product, service, experience, etc.), its description, price,invitations to make an offer (advertisement), conditions of sale,availability, quality, delivery options, distribution of money betweenparties, contract terms, complaints, etc.

A conversation can be split into multiple conversation streams androuted to different teams and individuals.

Records of conversations are stored and analyzed to evaluate transactionefficiency, value creation, satisfaction, team/individual performance,dispute arbitration, etc.

Parties in the transaction are enabled to allocate and distribute moneyor equivalent consideration between themselves and third parties. Themoney or its equivalent exchanged during the conversation may representan official record of receipt. The money can be transferred throughvarious mechanisms, e.g. a digital wallet service, which is tied to theuser's bank account, credit card account, Amazon Flexible Payment System(Amazon FPS), PayPal, BitCoin, frequent flier, affiliation card, etc.

The system keeps records, including time and location stamps, ofindividuals, teams, conversations, relationships, transactions, etc.

In one embodiment, the computer system provides Application ProgrammingInterfaces (APIs) to third parties programs that desire access to theconversation in real-time and/or related records through a database.

The system and third parties may exchange identifying information thatallows them to match (e.g. positively, negatively, partially,individually, in aggregate) teams, individuals, transactions,conversations, etc.

The system and third parties may exchange the contents of conversationsand related meta-data, such as date, time, response time, number ofparties involved, number of conversation branches, considerationstransferred, participants' and observers' subjective evaluation of thetransaction efficiency, emotional markers, etc.

The following is a non-exhaustive list of sample transactions for whicha user may wish to maintain a record of a conversation: serviceregistration (Say Hi); auto accident claim; airport arrival; new hireonboarding; new employee orientation; signing up for health benefits;buying a mobile phone with a carrier contract; buying, delivering,installing, repairing, replacing a heater for the house; employee/teamperformance evaluation; filing a medical insurance claim; ordering ameal, paying, and giving a tip at a restaurant; disputing a servicebill; requesting legal advice; delegation of authority during vacation;test performance discussion between student, parent, teacher, tutor, andschool principal; getting advice from a store employee and/or anotherconsumer with proven product/service experience; and contacting distantrelatives in a foreign city.

Human interactions about private, pubic, and commercial matterstypically involve multiple information exchanges that comprise objectiveand subjective data. The exchanges take place between people,organizations, and/or automated systems that help facilitatetransactions make them less expensive, e.g. in terms of time, money, andefforts of the parties involved. The exchanges can be thought of asvirtual assembly lines for services. When an individual service fails tobe delivered in the right place, at the right time, in the right qualityand quantity, the entire assembly line stops, resulting in increasedtransaction costs.

For example, a purchase of a product on a website may include at leastsome of the following operations: browsing product-related web pages,reading reviews, comparing competing and/or related product offerings,receiving product description and pricing information, filling out orderinformation, submitting an order, paying, tracking the order, providingfeedback on product and/or service quality, contacting customer service,resolving disputes, returning the product, e.g. when it doesn't satisfyone's needs, etc.

In another example, fixing one's car after an auto accident may involvebut not limited to interactions with relatives, insurance companies,police, witnesses, other parties in the accident and/or their agents,auto repair shops, information services, emergency assistance services,courts, etc. The process includes collecting various documents,submitting them in accordance with pre-defined rules or procedures,obtaining or paying money, etc. It gets even more complicated when theaccident involves medical claims because yet more parties have to beincluded in resolving the issue.

In a yet another example, encountering a new situation, such as arrivingat an airport in a foreign city or starting a new job, may requirediscovering new information sources, accessing new services, acquiringnew contacts, fulfilling new roles in transaction processes, enteringnew types of negotiations, and much more.

As more people use mobile device and related communication services, itbecomes more difficult to address issues mentioned above usingtraditional web, voice, e-mail, SMS, and other modes of interaction. Onepurpose of the disclosed technology is to facilitate collaboration andenable efficient interaction in a broad variety of human environments:commercial, governmental, social, non-profit, etc.

Another purpose of the disclosed technology is to facilitate commercialtransactions between individuals and businesses that involve use ofmobile connected devices.

Yet another purpose of the disclosed technology is to facilitatedistribution of value among parties involved in commercial transactionsand providing means for evaluating efficiency and value creation amongemployees and businesses involved in the transactions.

These and other advantages of the disclosed technology are accomplishedby providing a system for conversation creation and management. Aconversation is represented by a stream of messages generated by anddistributed over a relationship graph. The system further enablesinsertion into the conversation representations of value, e.g. money ortokens, and means for distributing the value among the participants ofthe conversation.

FIG. 1 is a block diagram of a top level conversation process.

At step 100, the system starts the conversation, e.g. by launching anmobile application and initializing user environment with previousconversations, potential relevant contacts, value holders, connectionsto services, and other elements necessary to engage in a transaction.

At step 110, the system decides whether the user is going to continue anexisting conversation, or create a new one. If the user chooses “New,”e.g. pressing a corresponding icon on his or her user interface, thesystem goes to step 120. Alternatively, step 110 can be performed by thesystem automatically, depending on the context of the application, e.g.when the user opens up the application for the first time forregistration.

If the “New” option is rejected in step 110, the system tries to selectan existing conversation for the user to continue. If the process ofselection succeeds, the system goes to step 130 where the partiesinvolved engage in an information exchange. Otherwise, the systemcreates a new conversation at step 120. Each conversation has a uniqueidentifier. The identifier can be generated explicitly, e.g. bygenerating a unique number, or implicitly by a combination ofconversation attributes, e.g. concatenation of names of parties involvedin the conversation and a random hash code.

Step 130 may proceed in real time or over an extended period of time,where parties exchange messages asynchronously.

In some implementations, the strength of the connection betweenconversation participants determines when and how messages aredelivered. For example, if a particular employee (or team member)contacted by a customer is not available, the customer's request can beeither forward or escalated to other employees (team members) or not.

The customer and team member are enabled to “lock” their relationships,e.g. for a period of time. For example, only a specific FinancialAdvisor is allowed to reply to investment portfolio allocation questionswithin two days, provided the advisor is still available. The “lock”,e.g. exclusivity of the relationship and its duration, can be determinedin different ways.

In one implementation, the customer and/or team member explicitly definethe terms of the relationship through their preferences.

In another implementation, the systems determines the terms bymonitoring user interactions and calculating preferences, e.g. based onthe number of interactions, their frequency, customer satisfactionstatistics, and consideration exchanged.

In a yet another implementation, the system determines “lock”characteristics on a per-conversation or even per-message bases, e.g.asking the customer and/or team member whether at least one of themwishes to maintain the “lock” or exclusive conversation with thecustomer.

In one more implementation, the system escalates a conversation if thecustomer accesses it in an emergency mode.

When a “lock is not present”, a team receptionist (either human orautomatic) is enabled to steer the conversation to an available teammember. For example, when a new customer contacts Macy's sales servicefor the first time, the conversation is not locked. In another example,a sales rep at Macy's manages her own customer base. She does“clienteling” with top customers and keeps ownership of their customerbase.

At step 140, the system decides whether the subject of the conversationhas been resolved. If yes, the system marks the conversation as dosed atstep 160.

In some implementations, conversation parties are enabled to explicitlypropose a closure, e.g. by pressing a “handshake” button. For example,when a deal is reached, the user presses the button thus confirming theconditions of a sale. The closure can be linked to a transfer ofconsideration via, e.g. a digital wallet service, implemented either ashardware, software, or a combination of both.

Various user interface elements, e.g. icons, voice commands, gestures,etc. can be used to declare the outcome of the conversation.

Similarly, the user can be prompted by another party to dose the dealwith a standard or customized user interface element, e.g. “Do youagree?” button.

Otherwise, at step 145 the system tries to determine whether theconversation is going to be continued. For example, parties may decideto continue their conversation at a later time. If that's the case, theconversation is kept alive, e.g. by assigning it an “alive” attributeand storing it in a database.

Otherwise, from step 145, the system proceeds to dose the transaction atstep 160. The process ends at step 170, with the conversation eitherdosed or kept alive.

FIG. 2 is a block diagram of the process for conversation selection atstep 115.

The process begins with initializing the system with existing liveconversations—step 200, e.g. by accessing a conversation database usingthe user ID and/or local storage of recent conversations. Theconversation database can be distributed and span multiple services,including social networks (personal, professional, business, private,public, protected, etc.).

At step 210, the system generates a suggestion for continuing at leastone conversation. The suggestion can be made based on the last liveconversation (default), user location, preferences, device context(other applications open), communications security channels available,transaction value, priority, and other factors.

At step 215, the system decides whether the suggested conversationssatisfy the user. If yes, the system proceeds to step 220 where the userselects a conversation.

Otherwise, the system enables the user to search for a conversation atstep 240. The user can search for a conversation using conversationtopics, parties involved, location information, transaction value,priority, and other factors.

In another implementation, the user is enabled to browse a directory andpick a relevant conversation party.

In a yet another implementation, the system provides a combination ofsearch and directory access mechanisms. For example, when a search for aspecific French restaurant doesn't produce any matches, the user ispresented with a directory of highly rated French restaurants listed inthe system. The ratings of the restaurant can be derived from variousfactors, e.g. an average of star ratings from external review servicessuch as Zagat; from users who have no relationship to the searcher; fromthe searcher's social network, the system's internal ratings based onprevious conversations between the restaurant team and other users, or acombination of such ratings mechanisms.

If a conversation is found, the user goes to step 220 to select aconversation. Otherwise, the system notes that no conversation has beenselected and proceeds to step 125 described on FIG. 1.

When user selects a conversation at step 220, the system identifies theconversation and sets the mode to Selected=True, and then transitions tostep 125 described on FIG. 1.

FIG. 3 is a block diagram of a process for conversation creation.

The system starts at step 300 by initializing potential conversationparties, communication channels, and scenarios.

At step 310 the system suggests a number of typical pre-definedscenarios, e.g. Medical Emergency, Security Alert, Automobile InsuranceClaim, Airport Arrival, New on the Job, New to the Neighborhood,Ordering Food. Entertainment, etc. A particular service provider, e.g.listed in the directory, can present their own scenarios related to theservices typically offered to customers. Default scenarios may differbased on the user's location, e.g. determined by GPS functionality. Forexample, when the user is located in the store, she may be presentedwith a “May I help you” scenario.

In one implementation, to directly invoke a predefined scenario, theuser presses a dedicated hardware or software button, or by making anutterance, or by performing a pre-defined gesture such as moving theirhand or eyes in a certain pattern. E.g. in case of danger, the userinvokes a “911” scenario with a panic button where police would be atleast one pre-defined party.

In another implementation, the system invokes a medical emergencyscenario the user's vital signs are communicated to the device fromother connected devices, such as heart monitor, blood pressure monitor,etc.

In a yet another implementation, the system invokes an Auto-insuranceClaim scenario when the user's automobile sends a signal of an accident,e.g. when the airbag is deployed, or the automobile's security system istriggered, or the glass is broken, etc.

In a yet another implementation, a third party invokes a conversationscenario. For example, in a “Health Check,” a medical nurse contacts theuser remotely to acquire vital signs for a periodic checkup. Similarly,a parent invokes an “Everything's Ok?” scenario when the child is nothome at a pre-defined time. In all cases, the third party can be a humanindividual, an animal, an artificial pre-programmed agent or acombination of the above.

At step 315, the system decides whether the proposed scenarios aresuitable to the situation. In one implementation, the user makes thedecision. In another implementation, the conversation takes place in thebackground between artificial agents, e.g. medical devices thatdetermine whether measured vital signs warrant human intervention. In ayet another implementation, the police determine the level of dangerbased on data from surrounding people and/or security cameras.

If the suggested scenario(s) is ok, the system proceeds to step 320where it selects the scenario. Otherwise, the system enables a searchfor a suitable scenario (step 340).

If the scenario is found (step 350), the system proceeds to step 320(Select Scenario). Otherwise, the system goes to step 360 andinstantiates a blank conversation.

At step 330, the system instantiates a conversation according to thescenario selected at step 320. A detailed description of step 330 isprovided below.

At step 370, the system modifies conversation parties. In oneimplementation (e.g. an auto accident scenario), the user chooses toreplace the name of his/her insurance agent. In another implementation,the user chooses to add his/her spouse. In a yet another implementation,the user chooses to add his/her favorite car repair shop. In one moreimplementation, the user chooses to replace a specific person with abusiness.

At step 380, the system either generates default messages (conversationstarters) to all conversation parties, or enables the user to create themessages, or a combination of both. A detailed description of step 380is provided below.

FIG. 4 is a block diagram of a process for instantiating a conversationfrom a scenario. The system can run it separately or as step 330 in FIG.3.

The purpose of the process is to allow the user to create a conversationeither from a previous similar conversation of the same scenario, or usea blank scenario prototype.

At step 400, the system initiates a look up of a scenario-basedconversation that can be used as a sample for a new conversation. Atstep 410, it decides whether it is a new scenario for the user orhis/her team or his/her business. The scope of scenario novelty dependson at least one of the following: user preferences, conversationexperience, team and/or business affiliation, whether the user is humanor artificial, services involved, location, timing, etc. The system mayalso apply a security, confidentiality, and/or privacy filter to excludeunauthorized access to data from previous conversations.

In one implementation, a business uses a standard scenario for allconversations of a certain scenario type. For example, for a newemployee orientation message exchange a standard scenario includesmandatory roles of a Human Resources Manager, Department Manager, ITspecialist, and Security specialist.

In another implementation, potential previous conversations for a givenscenario include only conversations of the user's teem members. Forexample, an insurance agent uses by default contacts from a previousconversation of his department staff that interacted with the samecustomer.

In a yet another implementation, the user starts a conversation with hisdoctor's nurse. The conversation by default adds contacts of his spouse,doctor, and pharmacy.

In a yet another implementation, customer support conversationsavailable to the user as prototypes only include those that were markedas highly satisfactory.

If at least one previous conversation with the same scenario is found,the system suggests at least one existing conversation at step 430.After that, at step 440 the system decides whether the suggestions areok, e.g. with user preferences or the composition of the parties, andselects a prototype conversation at step 460.

At step 470, the system decides whether to remove all previous messageexchanges from the conversation or not. The decision depends, e.g. onprivacy, security, confidentiality, relevancy, and other conditions.

In one implementation, the decision is made automatically because theconversation involves financial transactions and user identifyinginformation that the system is not set up to share in an insecureconnection environment.

In another implementation, the decision is left to the user who canpress, e.g. a Clear button, to remove all conversation elements exceptthe parties involved in the conversation. For example, in an autoinsurance claim scenario, all previous information specific to theaccident is removed because it involved a different set ofcircumstances.

In a yet another implementation, the system delegates the decision to ateam supervisor (or some other third party) who is not going to be apart of the conversation, unless it is escalated.

If the decision is to remove all exchanges, the system instantiates ablank conversation at step 475, registers it with the system, and importparticipants from the prototype conversation. If not, the systemproceeds further, e.g. to step 370 from FIG. 3 to allow the user tomodify participants, both their roles and specific individuals.

If at step 410, the system decides that the scenario is new, itinstantiates a blank conversation at step 420, registers it with thesystem, and imports suggested party roles according to the scenario,without instantiating the actual individuals. That is, the user and/orhis/her team are supposed to fill in specific individual contact info tostart the conversation.

For example, in an Auto Accident scenario, the system creates aprototype conversation with roles of Insurance Agent, Police, My Lawyer,Witness 1, Monitoring Service (an artificial agent that records allcommunications in a conversation), Repair Shop, Medical Service, TheOther Party, and The Other Insurance Agent. The user is supposed to fillin specific names on the next step (see FIG. 3 description).

If at step 440, suggested conversation is not approved, the user isenabled to perform a search within the scope of previous conversations(step 445).

In one implementation the system performs search over all userconversations.

In another implementation the system performs search over conversationsin the same city.

In a yet another implementation the system performs search overconversation within a given time interval in the past, e.g. last year.

In one more implementation, the system performs search overconversations with people within the same demographic range with theuser.

In yet another implementation, the system performs search overconversations rated above a certain user satisfaction threshold.

In one more implementation, the system performs search overconversations with people who belong to the person's social or businessnetwork.

If a desired conversation is found (step 450), the system proceeds tostep 460. Otherwise, it goes to step 420.

FIG. 5 is a block diagram of the initial interaction within aconversation (“Say hi”). The purpose of the process is to introduceparticipants to each other and to establish the level of connectionbetween them,

At step 500, the system creates an instance of the conversation withpotential parties and roles involved. For example, when the user opensthe application for the first time, the system creates a conversationand populates it with businesses and/or community organizations that arepreferred by local residents.

In another example, when a new employee joins the company, the systempopulates his “Say hi” conversation with an HR rep and his team members.

In a yet another example, after being acquainted with his team, the newemployee is prompted to “Say hi” to the customers that his predecessoron the job interacted with most productively.

In one more example, an automatic “Say hi” message is customized,depending on the former relationship between the parties, includingcharacteristics of the target group and/or team.

At step 510, the system proposes default greeting messages to be sentwithin the conversation. In one implementation, the message includes atleast one of: name, address, email information, phone number, workinghours, etc.

In another implementation, the message includes a brief greeting in theuser's language (Hi, I'm John.)

In a yet another implementation, the message includes a personalintroduction from a friend who referred the user to the service.

In one more implementation, the message includes a request forinformation, e.g. “What are your working hours?” “What's my budget forthe month?” etc.

At step 515 the user is enabled to modify the default messages, e.g. topersonalize the greeting.

At step 520, the system inserts messages into a conversation and sendsthem to all parties involved.

At step 530, the system monitors the interaction between parties over aperiod of time, while the user is within a certain location, or until acertain condition is met.

At step 540, the system checks whether a reply has been received from atleast one of the conversation parties. If yes, the system increments theconnection level between the parties involved (step 550). Otherwise, thesystem decrements the connection level (step 560), or leaves itunchanged.

The connection level can be used to determine the strength of theconnection between the user and other parties. For example, the nexttime the user searches for a business service of a certain time, onlybusinesses with a certain connection level are included in the search.The system may also take into account whether a human or automated replyhas been received.

In one implementation, the user is enabled to request only humanconversation parties for a given scenario.

The “Say Hi” process can be used for any introduction to a newsituation, such as service registration, scenario initiation, arrival ata location (airport), online greetings, first walk-through on a newdevice to get acquainted with available device features, receptionistservices, and etc.

In one implementation, the process is executed in a newcomer mode, wherethe user is completely unfamiliar with the potential conversationparties and needs to learn everything from scratch.

For example, when one arrives at Paris (CDG) airport for the first time,his “Say hi” application proposes conversations with the airportinformation service, a highly rated airport sports bar, a money exchangeservice, and his airline's connection service.

In one scenario, ratings are derived from reviews and evaluations fromthe members of the general public derived from 3rd parties, e.g. Yelp,Amazon, etc. The system also enables to use ratings based on feedbackfrom one's social network connections, e.g. Facebook friends (or friendsof friends), LinkedIn colleagues, followed Twitter feeds, etc. Inanother scenario, ratings are derived from reviews and evaluations fromthe system's users only. Such ratings are preferred because they containinformation about outcomes of the conversation, such as a sale, a thankyou message, a complaint, etc.

In another implementation, the process is executed in the “local” mode,where the user assumes an identity of a local person, highly experiencedin the surroundings.

For example, when one moves a new neighborhood in San Francisco, thesystem proposes to him to “Say hi” to businesses frequented by peoplewith similar preferences and/or demographic characteristics. For thatpurpose, the system may initiate a Q&A session with the user prior tothe arrival. Alternatively, the may make inferences from the user'shistory of transactions and create a model profile to be used in thefuture.

In a yet another implementation, the process is executed in the “human”mode, where the user desires to talk to humans only. In that case, thesystem contacts businesses and/or team members who are available in realtime.

FIG. 6 illustrates an auto insurance claim user scenario enabled by thesystem. According to the scenario, Bob is a car owner 631. An unknownperson broke the car's side window and stole Bob's laptop. Since Bob'scar is insured, he wants to submit an insurance claim, recover some ofthe damages, and fix the car. The claim process involves multipleparties, e.g. Police 610, Insurance Company 620, Bob's wife 633 andlawyer 633, Witness 640, and Auto repair shop 650.

The insurance claim process involves coordination between multipleparties to arrange for several major steps that include, but are notlimited to submission of evidence, furnishing a police report, filing aclaim, towing the car, providing an estimate for repairs, and repairingthe car.

In case of emergency, the conversation can be escalated to allparticipants, or a specific team, or a specific member within the team.

To facilitate the transaction Bob uses an implementation of the systemof the disclosed technology and creates conversation stream 680.

In one implementation, Bob creates a new conversation manually and addsall the parties himself.

In another implementation, Bob uses a default Auto Insurance ClaimScenario provided by the system or his Insurance Agent 621, and addsrelevant parties.

In a yet another implementation, Bob contacts his Insurance Agent 621,via telephone (not shown), who creates the conversation as a standardmeans to process customer claims and adds Bob to the conversation.

In one more implementation, Police Officer 611 creates the conversationwhen Witness 640 reports the burglary.

Participants of the conversation are organized as teams. All messagesand digital communications (conversation fragments), e.g. pictures ofthe car, repair estimate document, and others, become a part of theconversation stream accessible to all team parties. Conversationparticipants may or may not know each other personally. In the presentexample, Bob knows personally Insurance Agent and Auto Repair Mechanic651 from previous interactions. Conversations fragments can be sent toindividuals as well as teams.

In some implementations, all fragments are available to all internalteam members. In other implementations conversation fragments aredistributed according to pre-defined rules. In a yet anotherimplementation conversation fragments are distributed according topredefined rules arranged according to team structure (team graph). Teamgraph can be implemented as fiat, hierarchical, distributed, etc.

In one more implementation, certain conversation fragments e.g. valuetokens, are distributed over secure channels only.

All fragments are given at least a time stamp and/or a hash value andassociated with the conversation ID.

Conversation participants see and enter fragments on their devices in aconversation stream 690.

Bob's team 630 comprises himself 631, his wife 632, and his lawyer 633.The team may use the system separately as a private means to discuss theaccident among themselves concurrently with conversation 680.

Police team 610 comprises Police Officer 611, Records Clerk 612,Surveillance Service 613, and Records Service 614. Surveillance andRecords Services are computer implemented systems (artificialindividuals) enabled to receive, process, and send conversationfragments.

For example, Surveillance Service can be implemented as a digital mediadatabase with a conversation interface responsive to structured and/orfree-form queries. In another example, Surveillance Service isimplemented as a digital/photo video camera system with storage. It canbe a fixed and/or a portable camera, or a combination of multiplecameras attached to a building, person, car, helicopter, drone, etc.

In one more example, Surveillance Service can be implemented as atext-based system containing reports from private and public sources. Inone implementation, a system of the disclosed technology can be used asa Surveillance Service gathering inputs (fragments) from multipleobservers (human, animal, artificial).

Records Service provides police reports necessary for processinginsurance claims. It can be implemented as a digital document repositorywith an interface responsive to conversation fragments. For example, itcan provide detailed police report data based, e.g., on report ID,accident location information, car ID, owner, suspect, police officer,and a combination of such multiple identifiers.

Insurance team 620 comprises Insurance Agent 621, Claim Adjustor 622,Claim Service 623, and Wallet Service 624. Wallet Service 624 is acomputer-implemented system enabled to process payments, e.g. receiveinstructions, send and receive value tokens, using the conversationinterface. Value tokens can represent currency, coupons, credits, gamecurrency, bitcoins, affiliation card points, etc. The service can beimplemented as a third party financial transaction system, e.g. digitalwallet, credit card processing service; or as a value transfer subsystemto the conversation system; or a combination of both.

Similarly, a third party application can use the interface tocommunicate to the services and consumers. The system is enabled tocharge commissions, e.g. as a percentage and/or fixed and/or variablefee, for accessing the interface and/or concluding transactions.

In an internal implementation case, Wallet Service keeps track ofconsiderations users provide in return or advance for products andservices, Users are enabled to buy internal credits using officialgovernment currencies or other means of payment, e.g. loyalty points,BitCoins, etc.

Auto Repair shop team comprises Mechanic 651, Shop Owner 652,Receptionist 653, and Wallet Service 654.

During the process of Conversation 680, parties exchange multipleconversation fragments 615, 625, 635, 645, and 655, pertaining to thetransaction. Communications and user interface components of the system,e.g. mobile apps, place the fragments into Conversation Stream 690available to conversation parties on their respective conversationdevices, such as smartphones, tablets, digital watches, digital glasses,television screens, computer monitors, electronic readers,brain-computer interfaces, equipment control panels, etc.

In one example of the Auto Insurance Claim scenario (FIG. 6), car owner631 finds his car burglarized. The burglar flees the scene, but Witness640 agrees to confirm the fact of the crime. Owner 631 starts aconversation application on his mobile device and locates Auto InsuranceClaim Scenario (see FIG. 3 description above). Using the “Say Hi” logic,the app proposes to start a conversation with key parties: Police,Insurance, Owner, Witness, and Auto Repair Shop, Owner 631 asks Witness640 for some personal information and locates him within the system. Thesystem invites Witness to join the conversation. Since Witness 640 is aregistered user, Owner 631 doesn't have to provide detailed personalinformation to the owner. He also doesn't need to provide his account ofthe accident, unless requested later.

Witness 640 leaves the scene. Owner 631 uses a step-by-step “Say Hi”process to send customized messages to all parties required to createand process an auto insurance claim. Since the system has Policedepartment registered within the service, it locates ID for the PoliceOfficer 611 responsible for the dealing with the claims. Owner 631notifies Police Officer by typing his message (a conversation fragment)and inserting pictures (conversation fragments) of his burglarized carinto Conversation 680. The system is configured to send the conversationfragments to the police officer as well as the entire Police team 610.

Police Records clerk 612 becomes a party to the conversation as a memberof the police team. He adds Records Service to the conversation andrequests a police report number, which is entered into the conversation.

Since car burglary is not a violent crime, the police officer is notrequired to attend the scene in person. He adds Surveillance Service 613to the conversation and queries it for street snapshots within the timeinterval of the crime. After matching time and location of the accident,Surveillance Service 613 discovers several videos from street camerasthat capture the moment of the crime and extract snapshots from them.The service adds the snapshots (conversation fragments) to Conversation680.

In the meantime, the system adds Insurance team to Conversation 680.Using an interactive process, it asks the user for his policy number,and other identifying information. Using the information the systemlocates registered Insurance Agent 621 responsible for processing claimsand adds him to the conversation. By the virtue of being added to theconversation, the agent is notified of the accident. He also receivesinformation provided by the user, police, and witness.

The system asks the agent to fill in the default roles of Claim Adjustor622, Claim Service 623, and Wallet Service 624. Having locatedregistered persons (human and artificial) within the system, the agentadds them to the conversation.

Claim Service 623 interacts with Owner 631 to gather information aboutthe accident and verify coverage information. Because it knows thatPolice team 610 and Witness 640 are parties to Conversation 680, itrequests and receives information from them within the sameconversation. Information exchanges may occur in real time and/orasynchronously, depending on availability of persons involved.

Once the information necessary for submitting an insurance claim isready, Claim Service 623 notifies Claim Adjustor 622, so that she beginsclaim valuation process.

In the meantime, Owner 631 adds his Wife 632 and his Lawyer 633 to theconversation. He instructs the system that his wife is an activeparticipant, while his lawyer is a passive participant. As the result,Wife 632 receives all conversation fragments by default, while Lawyer633 will receive them only when Owner 631 instructs the system to shareConversation 680 (or any of its fragments) explicitly.

Because the owner has an important meeting, he asks his wife to contacta repair shop. Wife 632 knows Mechanic 651. She finds him within thesystem and adds him to the conversation. Prompted by the system, shedesignates the repair shop where he is employed as Auto Repair Shop team650.

The system contacts the shop. Since Mechanic 651 is not available formessages, Receptionist 653 interacts with the system to respond to theinvitation to join the conversation. She also adds Shop Owner 652, whoinstructs his staff to tow the car and gives them location informationcontained in the conversation.

Once the car is delivered to the shop, Shop Owner 652 creates a detailedestimate for repairs and adds it to the conversation, directing it atAdjustor 622, Owner 631.

When the adjustor doesn't reply within a day, Wife 632 uses theconversation to alert Insurance Agent 621 to the delay. As the result,Adjustor 622 contacts Receptionist 653 to schedule a visit to the shopto verify the estimate.

Once the visit is complete and estimate verified, Adjustor validates theestimate using Conversation 680. The system notifies Insurance Agent 621and Claims Service 623. Insurance Agent completes the claim process byinstructing Wallet Service 624 to transfer money to Wallet Service 654that belongs to the auto repair shop. In one implementation he sends theinstructions as a text fragment in the body of the conversation. Inanother implementation he drags and drops the amount due on the claimfrom an icon representing his Wallet Service to an icon representing theshop's Wallet Service. The icons are located on his portable device anddisplayed next to Conversation Stream 690.

Car Owner 631 monitors the transactions using the conversation system.He asks Shop Owner 653 to instruct Mechanic 651 to fix the car. When thecar is ready, Mechanic 651 takes its pictures, adds them to theconversation, and notifies the owner. Owner 631 arranges withReceptionist 653 to pick up the car.

As the result of the process, all parties have access to copies of alldocuments and transactions. Instead of using various means ofcommunications, such as e-mail, phone, web, personal interactions, theyrely on the conversation system to provide an efficient medium forgathering information for the claim, processing the claim, transferringfunds, and making sure that the car is fixed.

To make the system even more efficient, the system is enabled to usereminder, calendar, auditing and other automated services. The servicesare configured to generate reminders if conversation parties are notresponsive to certain conversation fragments. That is, internalexchanges within a conversation can be timed, so that automaticreminders are sent.

For example, when Owner 631 sends a message to Insurance Agent 621, heattaches a conditional reminder service timer that generates a repeat ifAgent 621 doesn't reply within 24 hrs.

In another example, an automated auditing service asks Owner 631 forfeedback on the entire transaction and its parties. The owner ratesvarious aspects of the transaction. The service is enabled to evaluateobjective information, such as claim processing or auto repair duration,and combine it with subjective feedback supplied by the user. As aresult, the system is enabled to compare performance of differentparties within the same set of scenarios. It can use the information tosuggest a higher rated team (car repair shop, insurance adjustor, etc.)during the initial stages of a particular scenario. The system is alsoenabled to provide information to employers of each team to rate theirperformance for internal purposes, e.g. promotions, pay raises,recommendations, etc.

FIG. 7 illustrates a product purchase and deliver scenario user scenarioenabled by the system of the disclosed technology.

The scenario involves three teams, Buyer 710, Seller 720, and Delivery730. The teams interact using Conversation 780.

Buyer team 710 comprises human Buyer agents 711, 712, and automatedWallet Service 713.

Seller team 720 comprises human Seller agents 721, 722, and automatedWallet Service 723.

Conversation is configured to have multiple sub-conversations, 781, 782,and 783. Buyer team uses sub-conversation 781 to exchange confidentialmessages; Seller team uses sub-conversation 783 for their ownconfidential messages: all teams use sub-conversation 782 for jointmessages (conversation fragments).

Delivery team 730 comprises human Delivery agent 731 and automatedDeliver Schedule Service 732.

In one example, the seller team specializes in customized kitchencabinets. Seller agents are physically located at different locations:agent 721 is at the store, agent 722 at the manufacturing site. Agent721 creates open Conversation 780 that indicates to prospective buyersthat the store is open for business. Agent 721 registers theconversation with the system of the disclosed technology. Afterexchanging private messages 725 and 726, agent 722 places an invitationto make an offer in the public domain of the system via sub-conversation782.

The buyer team discovers the offer by searching the system for kitchencabinets. Initially, Buyer agent 711 uses her mobile phone to browseavailable deals. When she locates a suitable offer, she makes agent 712a member of her team and, after exchanging with him messages 715 and716, she transfers the conversation to the large screen digital TV intheir living room. Both teams exchange messages (not shown) that includepricing, technical, graphical, video, and other information to negotiatethe offer. All messages are a part of the same Conversation 780, butsplit into different sub-conversations to avoid confusion among theparties and allow for private discussions of various aspects of theoffer.

Finally, agent 712 makes an acceptable offer 718. He adds their WalletService 713 to the conversation. Seller Team accepts the offer (notshown) and adds Delivery Team 730 to Conversation 780, allowing it tointeract only through the public sub-conversation 782.

Delivery Agent 731 suggests (737) a possible delivery schedule, whichagent 712 accepts. After that, Wallet Service 713 is instructed totransfer money (719) to Wallet Service 723.

Automated Deliver Schedule Service 732 finalizes the schedule usingsub-conversation 782. Since all parties are enabled to monitor thesub-conversations they participate in the process ensuring that theservice has information what product packages, when, how, at whichprice, at what time, at which location, with what notification options,are going to be delivered to the buyers. If necessary, sellers 721 and722 participate in the conversation to complete the transaction.

The system enables Seller team 720 to create a separate privatesub-conversation with its subcontractors to negotiate various aspects ofthe transaction. In one example, they use the sub-conversation todiscuss technical aspects. In another example, they use thesub-conversation to distribute money among the participants. In a yetanother example, they use the sub-conversation to discuss customercomplaints when scheduled delivery doesn't take place on time or hasother discrepancies from the original agreement.

In some implementations, the system enables Buyer team 710 to dividemoney between the parties in the public sub-conversation 732. Forexample, they are enabled to allocate tips per team member or betweendifferent sub-contractors, depending on the level of service provided.

The system enables efficient transactions because it covers end-to-endconversations associated with the order. All teams are enabled to reviewthe conversation at a later time.

For example, the supervisor of the seller team 720 may evaluatenegotiation tactics used by the team. In another example, the supervisormay request and receive aggregated parameters from multiple buyer teamsto see how much conversation time and effort it takes to negotiate atransaction with a particular seller team. That is, since allsub-conversations belong to the same conversation, the system enablesstatistical analysis of transactions across multiple buyers, sellers,and their sub-contractors. The supervisor may use the information tocreate a high-level control dashboard to monitor transactions usinginteractive graphical interfaces across different teams, locations,types of products, etc. The supervisor is also enabled to add teammembers and/or incentives if she concludes that the conversation is notproceeding well.

The conversation records can be used for customer support, disputeresolution, product returns, re-negotiations, repeat purchases,incentive offers, training sessions, etc.

User interfaces in the system are enabled to browse (e.g. using scrollinterface on a multi-touch display with a “swipe” gesture) eachsub-conversation synchronously or separately. For example, when agent711 wants to review her private conversations with agent 712, she canindependently go back over sub-conversation 781 without affecting therepresentation of sub-conversation 782, either on her own device or oneverybody else's device. In one implementation, to enable a broader viewof the conversation, the interface displays multiple threads andscrolling options when the user turns it, e.g. from portrait tolandscape mode.

FIG. 8 illustrates an airport arrival user scenario enabled by thesystem of the disclosed technology.

According to the scenario, traveler 817 flies for the first time fromSan Francisco airport (SFO) to Paris Charles De Gaulle airport (CDG).Upon arrival, the traveler starts his mobile application that serves asan interface to the conversation system. He activates the Say Hiscenario for the airport, by hitting “Say Hi” soft button on the device.The system creates a new composite conversation 880, comprising 5independent sub-conversations (881 through 885).

By default, the system creates a team 810 for the traveler, addinginstances of “Say hi” 816 and Wallet 818 services. In oneimplementation, the system detects popular businesses at the location.In another implementation, the system is pre-configured with certainbusiness instances by the user before the flight. In a yet anotherimplementation, the system adds teams in an interactive mode, asking thetraveler whether he wants to connect.

Say Hi Service 816 generates default messages (811 through 815) directedat the selected teams.

First, Airport Information Service 820 replies with a welcome message823 containing an airport map, border and customs notes, and locationsof restrooms, restaurants and major duty-free stores. If desired, theuser can initiate a conversation (Say Hi) with any of the restaurants orstores. In one implementation, the message is customized with thetraveler's language, age, gender, other explicitly or implicitlyexpressed general preferences. In another implementation, the systemcommunicates to service 820 the traveler's system ID, which the serviceuses to obtain his travel preferences from a remote database. In a yetanother implementation, the traveler picks specific questions from amenu suggested by his Say Hi service 816. In one more implementation, athird party (not shown) guides the user in selecting, asking, andreplying to messages from Airport Info Service 820. This interactivemode is implemented using either sub-conversation 816 or a differentsub-conversation. Service 820 is enabled to offer incentives, such ascoupons and discounts, which can be transferred between differentsub-conversations, e.g. by dragging and dropping them on the applicationuser interface. The system is enabled to analyze effectiveness ofincentives, provide feedback to the service providers, and adjust themto improve effectiveness.

Second, an Air France customer service representative 830 replies withmessage 831 placed into sub-conversation 881. In this scenario, thetraveler's initial message 811 contained his frequent flyer information;therefore, message 831 contains connecting gate and time data. Thetraveler is enabled to interact with the service and he replies withquestion 8101. Other message exchanges may take place within thesub-conversation (not shown). In one implementation, Say Hi servicesends traveler's system ID, which allows representative 830 to locatethe traveler's frequent flyer information and other personal dataallowed to be shared in this scenario. The representative is enabled tocustomize her messages, similar to the customization options describedearlier.

The user is enabled to authorize or de-authorize a specific personand/or team to access personal information. The authorization can beapplied at different levels: team, relationship, conversation, and/orconversation fragment.

The user is also enabled to review his/her authorizations.

Third, an automated message 842 from “Say Hi” service 841 arrives. Itcontains default information about Sports Bar team 840; the informationincludes location, menu, and popular game schedule for the next twohours. Service 841 is a 24×7 part of the Sports Bar team. It isconfigured to reply to standard “Say Hi” requests in languages preferredby the travelers. Most travelers contact the bar using theirconversation app rather than the more traditional web interface.

Traveler 811 replies with message 8102, asking to reserve a spot infront of the big TV in 30 minutes. Since the automated service 841 can'tunderstand the message, it is routed to waiter 842, who replies withmessage 8402, confirming the reservation,

Fourth, a reply message 854 from Bank team 850 arrives tosub-conversation 884. The message contains foreign exchange information.The traveler uses his Wallet Service 818 to exchange money certificate8104. The Bank's Currency Exchange Service replies with message 8504confirming the exchange. The message represents a receipt that can bemoved to the traveler's expense report conversation (not shown) startedwhen his manager authorized the trip. The user interface of theapplication supports drag-and-drop, hold-and-search (e.g. using a pop-upmenu), and other types of interactions for conversation navigation.

As discussed in FIG. 5 description, the system is enabled to incrementsuccessful interaction counts, so that the next time the travelerarrives to the airport his conversations are automatically connected topreferred teams/individuals/services.

In some implementations, the system keeps track of user interactions andsuggests teams/individuals/services with high connection levels acrossusers of a certain demographic group or other type of group or personalpreferences.

No reply comes from Family Graph team 860. The team represents a segmentof the traveler's extended family that lives in Paris. The system formsthe team based on the traveler's information submitted in hispreferences, imported through social networks, email, and othermechanisms. Unfortunately for the traveler, nobody among his distantrelatives is online. Since he doesn't know them personally, or is notaware of their plans, message 815 is sent to the entire virtual team.

In other scenarios, the traveler is enabled to browse Family Graphbefore the flight and identify individuals that he would like to contactupon arrival. Based on his preferences, message 815 can be sent tospecific selected individuals, or the entire graph. Similarly, thetraveler can send a Say Hi message to his social or business graph or acombination of any members of both.

As discussed above, user interface allows the traveler to interact witheach sub-conversation independently. Also, he has an option of joiningor splitting sub-conversations. For example, he joins sub-conversations881 and 881 to discuss with the airline and bar waiter whether he hasenough time to for a glass of wine before the connecting flight.

The traveler is also enabled to transfer money from his Wallet Service818 to the Sports Bar team 840 via Bank 850.

FIG. 9 illustrates interaction between devices and services within thesystem of the disclosed technology.

Traveler 817 has a mobile user device 910, which is enabled to interactwith the rest of the devices and services in the system using clientinterface 930, which is responsible for attaching the device to the restof the system. The interface supports system APIs necessary fortransferring data from the user device to the rest of the system. Anapplication hosted ^(by,) the device uses the APIs to communicate, e.g.,user ID, conversation ID, conversation fragments, network ID (e.g. IPand/or MAC addresses) and other information relevant to the interaction.For example, the application may initialize with user ID when thetraveler logs onto the system. When the traveler starts a newconversation the application requests and receives a conversation ID,e.g., using Instantiate Blank process 360, which is associated with thetraveler and his device. The application is enabled to storeconversation IDs for a certain number of recent and/or openconversations, depending on the amount of memory available on thedevice. The application is also enabled to receive a conversationfragment using a conversation ID. In some implementations, theapplication is enabled to receive a conversation ID as a result of asearch of a subset of user conversations, e.g. by text, names of otherusers, team composition, pictures, videos, time interval, etc. Theapplication is also enabled to get team composition (graph) using aconversation ID.

Bar waiter 842 also has a communication device 920 with system interface940. Device 920 interacts with the rest of the system in a manner verysimilar to device 910. Because the device belongs to a business, in someimplementations it is allowed to interact with the system over a securechannel only. In other implementations, it is required to do atwo-factor user authentication. In another implementation, it is enabledto use network and software interfaces with different levels of securityrequirements. For example, when user 842 participates in oneconversation as a consumer and in another conversation as a member of abusiness team, the latter conversation is required to go over a securechannel.

Services 816, 818, 820 and others interact with the system usinginstances of Service Interface 940. The interface enables conversion ofinternal representations of service information to conversation format.For example, Airport Information Service 820 has information in HTMLformat. When interacting with the system of the disclosed technology ituses interface 940 to convert it to text format. In another example,Wallet Service 818 uses interface 940 to encrypt currency values beforetransferring it between different user and business team accounts.

FIG. 9 illustrates other types of services that are enabled to interactwith the system of the disclosed technology. For example, RecordingService is added to the conversation to record interactions, eithercomplete or partial, between parties in the conversation. Team Serviceskeeps track of team composition and communications between team members.Reminder Service can be added to the conversation tosend/receive/forward timed messages (conversation fragments) toconversation parties. Auditing Service is added to the conversation tokeep track of value transactions and produce receipts. Scenario Serviceprovides users with standard and customized scenarios for conversations.Location Service provides location, either physical or virtual,information to the conversation.

Other services can be easily added to the system for originating,capturing, processing, augmenting, adding, and manipulating conversationfragments based on user, team, business, security, location, and othermeta-information. In one embodiment, each fragment is assigned at leastone semantic type, such as text, time, picture, money, etc. Theinterface uses the type to convert the fragment to its service'sinternal data type and back

FIG. 10 illustrates business graph enabled by the system of thedisclosed technology. The business graph captures information betweenconversation participants. For example, Consumer 1001 has a connectionwith Business team 1010. That is, the consumer doesn't know any of theteam members (1011 . . . 1013) personally, but uses the business todiscuss and buy goods from it. For example, the user may contact atake-out burger restaurant to order food using the system of thedisclosed technology. Receptionist 1013 discusses the order with thecustomer and her team (e.g. sub-conversation 1012). To fulfill the orderteam member 1014 interacts with automated delivery service 1050.

In some scenarios, team 1010 is formed on a per-project basis.Nevertheless, the conversation contains contact information of the teammembers, so that any one or all of them can be contacted in the future,e.g. with customer complaints, project review, and other messages.

In other scenarios, team 1010 represents a formal organization, e.g. asales department, customer support group, university faculty, etc.

On FIG. 10 conversations are represented by two-way arrows, e.g. 1015,1025, 1026, 1035, 1045, 1055. Conversations may include, but not limitedto digital interactions, transfer of goods and services, value tokens,currency tokens, as well as other types of consideration. Interactionsmay include representations about products, services, user preferences,and various states of affairs in the system. Interaction may alsoinclude directives, i.e. instructions from conversation participants toperform certain actions, such as value transfers, product transfers,orders, etc. Interactions may include comissive statements, such aspromises, offers, and others. Interactions may also include expressivestatements, such as complaints, thanks, apologies, etc. In addition,Interactions may include declarations, such as appointments,announcements, joint agreements, etc.

In the food order example above, Business team 1010 providesrepresentations of plates and drinks on the menu. Consumer 1001describes his preferences, asks for advice, and places orders. He alsopromises a payment, and thanks for the prompt service. Business teammembers can also place orders, e.g. to Sub-contractor 1045 and/or thirdparty service 1050. They can promise transfer of currency and/or valuetokens, e.g. coupons, loyalty points, etc.

In another example, Consumer 1001 interacts with Business 1020, e.g.insurance agency. He knows Employee 1021 personally and contacts himdirectly via connection 1025. As the conversation progresses, theconsumer has to transfer money in return for a payment at a later date,e.g. for medical services from a third party. Although the relationshipbetween the consumer and the employee is personal, the promise ofpayment 1026 is between the consumer and Business 1020. Bothinteractions (1025 and 1026) can be a part of the same conversation. Theconversation can involve other employees of Business 1020.

By contrast, Consumer 1002 has only business relationship with team1020. Nevertheless, he can proceed to create a conversation. In theprocess of the conversation he can establish a personal workingrelationship and next time contact a specific team member directly. Whena specific employee leaves his/her team, the relationship remains withthe team. A replacement employee is enabled to access the relationshipand evaluate its characteristics.

Similarly, employees may or may not have direct, individualrelationships with other employees. Nevertheless, they can do businesswith teams by locating them, e.g. by search, directory, or referencefrom other conversation participants. For example, relationship 1045between business 1020 and sub-contractor 1040 is impersonal.

In another example, business Employee 1031 and Sub-contractor employee1041 have a personal working relationship. When Consumer 1002 interactswith business 1030, which requires services of Sub Contractor 1040,Employee gets involved to facilitate the conversation. The involvementis implemented, e.g. by adding the employee to the conversation, eitherprivately within his team or so that the consumer can see the employee'sinvolvement. Various mechanisms to involve multiple parties in aconversation are discussed above, e.g. in relationship to FIG. 7.

Characteristics of a connection are stored in a memory, e.g. databaseservice (not shown). Such characteristics may include absolute values,e.g. number of conversations between parties, number (volume) ofproduct/service items transacted, amount of value tokens transferred,amount of currency payments transferred. In other implementations,characteristics include relative values, e.g. ratio between currencyvalue of transactions and number of conversations; average ofconversation fragments per conversation; ratio of goods/services perconversation, etc. The system is enabled to provide information andevaluate employee and/or team performance based on connectioncharacteristics.

Similarly, a consumer in the system can be characterized by his/herconnections, e.g. by automatically assigning priority conversations withhigher ratios of currency value to a business. For example, whenconsumers 1001 and 1002 initiate conversation with business 1020,consumer 1001 is given a preference because he has a personal connectionwith employee 1021. Alternatively, the system may assign a higherpriority to a new customer, e.g. because the connection with theexisting customer has a value ratio below threshold. The system mayidentify consumers with high level of experience and include them inconversations when business team members are not available to provideadvice, e.g. outside the office hours. Such consumers can be treated asvirtual team members and provided with incentives to answer questionsand transact with other consumers on behalf of the team.

In some implementations, connections are evaluated statistically over apopulation in at least one of the categories of employees, teams,businesses, organizations, consumers, etc. For example, Consumer Cluster1070 is created by aggregating consumers using a calculated value ofexpected ratio of money spent per conversation. The cluster can becreated and/or adjusted by evaluating connections between consumers in athird party social graph, e.g. Facebook, LinkedIn, Twitter, Google+ andother social networks.

In some implementations, external relationships are mapped to internalrelationship and user identities (“friends”) presented as internaland/or transparent for creating and exchanging messages.

FIG. 11 illustrates a distributed network of goods, services,conversations, considerations and other transactions enabled by thesystem of the disclosed technology.

User device 910 (see FIG. 9 discussion for more detail) initiatesconversation 880 (see FIG. 8 discussion for more detail). Examples ofuser device include a smartphone, personal area network accessory suchGoogle Glass, tablet, PC, laptop, Point-of-Sale terminal, TV, Set TopBox (SIB), game console, GPS device, HVAC control panel, etc.

Conversation goes over Network 1105, e.g. the Internet and/or internalcompany network.

Fragments of the conversation 880 go another user device 920, tablet1110, and data center 818, associated with a Wallet Service. Devices920, 1110, and 818 are members of the same team, members of which canexchange conversations between themselves.

At the same time Conversation 880 is copied to memory 1140, which isassociated with conversation evaluation service 1150 that computesand/or statistically predicts conversation ratios.

In some implementations, tablet 1110 belongs to a team supervisor whoalso has access to service 1150. The access is provided on asubscription or pay-per-use basis. The supervisor evaluates this andother conversations using a visual dashboard on tablet 1110 that showsperformance of the team, e.g. measured in value generated and/orconsumer satisfaction measurements received.

Conversation 880 results in an agreement. According to the agreementbusiness sends goods 1120 to the user, while the user sendsconsideration, e.g. money, to the business. The consideration isdirected to Service 818 and credited to the team. In someimplementations, the user is enabled to divide the consideration betweenteam members. For example, when giving a tip after a meal at arestaurant, the user allocates money between the cook, waiter, andkitchen staff.

To avoid bank fees, such as currency conversion, users are enabled touse internal credits in lieu of consideration and exchange the creditsinto preferred currency if necessary.

Service 1160 is used for discovery and routing conversations betweenusers in the system. It contains real-time as well as historicalinformation about the network; personal preferences and deviceconfigurations time of conversation. The service can be used forpre-configured standard scenarios, e.g. involved in secureconversations.

FIG. 12 provides an example of a computer-enabled implementation of thedisclosed technology. In one embodiment, a host server 1200 (that may beoperated by a third party such as Amazon.com) runs a software program1210 that stores records of communications between participants asconversations. The software program presents an API that allows usersand third party systems/programs to provide fragments of conversationsor (if allowed) to receive records of conversations. Records ofconversations, the participants, attachments such as photographs,documents etc. and rules for who have access to the conversation arestored in a database 1220.

Users access a conversation using their personal computing device such aPC, laptop, gaming console, in-car computer system etc. 1240 or theirpersonal smart phone 1250. Communications about a conversation can besent directly to the hosting server through the API 1210. If anotherparticipant performs some task related to a conversation in which theuser is involved, worker software 1260 operated by the server 1200detects the communication and provides a notification to the user'scomputing device 1240, 1250.

A web application 1270 monitors communications from a user's or aconversation participant's computing device. If the communication isdirected to a conversation, the web application notifies a messagingbroker application such as RabbitMQ from Pivotal that allowscommunications to be sent and received from different applications.Documents, photographs, consideration etc. for a transaction that is thesubject of a conversation can be sent between participants and messagesconfirming the transmission and receipt of such items are stored in thedatabase 1220.

The software program 1210 also interfaces with the wallet exchangeprogram (not shown) that is associated with conversation participants.In this manner, the software program 1210 confirms the transfer ofconsideration between participants in order to detect if a transactionhas been completed and to keep records of a transaction.

In some cases, supervisors can access the database 1220 with their owncomputing device (not shown) to determine how a transaction isprogressing. Such supervisors could be managers of a sales team,physicians monitoring their patients and nurses, insurance claimadjusters etc. A user can leave feedback regarding a conversation thatis stored in the database and used by the supervisor to rate its salesteam or improve future service.

If a user wishes to purchase a particular hardware item, a newconversation can be started between the user and an employee at ahardware store. The store is copied on the message and a supervisor canforward the message to another employee if the original employee is nolonger working at the store. Records of the interactions that make upthe conversation are stored on the database 1220. The user can completea transaction from their computing device 1240, 1250 to initiate thetransfer of consideration from their account to the hardware store usingtheir wallet exchange. A record of the consideration transfer is kept onthe database for return/exchange purposes. A supervisor can inspect allthe transactions from a particular store to determine the effectivenessof its sales team, to spot trends in consumer purchases etc.

Once a user is registered with the system, the application 1210 keeps arecord of an identification number for the user's computing device 1240,1250 and messages to the user for a new or existing conversation aresent to the address of the computing device,

The computing device is able to display the conversations by subject orother identifier so that the user is able to view all portions of aconversation as well as the underlying documents. In some cases, thedatabase 1220 keeps track of items that need to be completed in order tofinalize a transaction. For example, in home ownership a buyer may wantto pre-qualify for a mortgage. Several papers are required to beprovided to the bank in order to pre-qualify and the database can keeptrack of what papers have been provided and which are still outstanding.Other aspects of a home purchase such as an earnest money check,inspection sign off etc. can be shown to the participants so that theparticipants can easily view what steps are left to complete.

The checklist of documents required can be pre-determined based on thetype of transaction that the user wants to complete. In addition,participants in the conversation may be able to add or subtract from thelist of documents required based on the particular circumstances of thematter at hand.

On the user's computing device, communications to another conversationparticipant include an ID or other code that identifies the particularconversation. The ID or code is read by the web application 1270 toroute the communication to the appropriate participants and to store arecord of the communication in the database 1220. The user's computingdevice produces a user interface that lists individual conversationsthat the user is involved in or has completed. Be selecting a particularconversation, the computing device retrieves communications stored forthat conversation. In addition, documents for the transaction associatedwith the conversation can also be retrieved or viewed as well as anychecklist of items to be completed. The user interface allows a user toinvite additional people or services into a conversation and to setrules for how much of the conversat on the new participant is able tosee.

From the foregoing, it will be appreciated that specific embodiments ofthe disclosed technology have been described herein for purposes ofillustration, but that various modifications may be made withoutdeviating from the scope of the disclosed technology. Accordingly, thedisclosed technology is not limited except as by the appended claims.

I/We claim:
 1. A computer-implemented system for storing communicationsbetween participants, comprising: a processor configured to executeprogram instructions that cause the processor to store records ofcommunications between two or more participants in a conversation thatis directed to completing an underlying transaction; wherein theprocessor is configured to receive a notice from a participant in theconversation that consideration has been transferred betweenparticipants in order to complete the underlying transaction.
 2. Thecomputer-implemented system of claim 1, wherein the processor isconfigured to execute instructions that cause the processor to allow auser to select from a number of pre-defined conversations, each of whichis associated with an underlying transaction.
 3. Thecomputer-implemented system of claim 2, wherein the processor isconfigured to execute instructions that cause the processor to provide aparticipant with a checklist of items required to complete the selectedunderlying transaction.
 4. The computer-implemented system of claim 3,where the processor is configured to execute instructions that cause theprocessor to provide a participant with a list of other suggestedparticipants to include in the conversation.
 5. The computer-implementedsystem of claim 1, wherein the processor is configured to executeinstructions that cause the processor to receive and store anotification that identifies a conversation and an amount ofconsideration transferred between participants in the conversation. 6.The computer-implemented system of claim 1, wherein the processor isconfigured to execute instructions that cause the processor to receiveand store feedback from a participant in a conversation about theunderlying transaction,
 7. The computer-implemented system of claim 1,wherein the processor is configured to execute instructions that keeptrack of a level of interaction between participants in a conversation.8. A non-transitory computer readable media for storing instructionsthat are executable by a processor on a computing device to: transmit aportion of a conversation to a participant along with an identifier ofthe conversation to allow the portion to be stored as a record; andinstruct the transfer of consideration to another participant in theconversation along with the identifier of the conversation to allow thetransfer to be stored in the record of the conversation.
 9. Thenon-transitory computer readable media of claim 8, further comprisinginstructions that are executable by a processor on the computing deviceto: present a list of pre-defined conversations associated with anunderlying transaction, wherein each pre-defined conversation includes anumber of suggested participants.
 10. The non-transitory computerreadable media of claim 8, further comprising instructions that areexecutable by the processor on the computing device to: transmitfeedback regarding a transaction along with the identifier of aconversation.
 11. The non-transitory computer readable media of claim 8,further comprising instructions that are executable by the processor onthe computing device to: present a control that a user can select tocause the transmission of an indication of the user's agreement to atransaction associated with the conversation along with the identifierof the conversation.
 12. The non-transitory computer readable media ofclaim 8, further comprising instructions that are executable by theprocessor on the computing device to: record a level of interactionbetween participants in a conversation.